Flood insurance claims in Cass County, Michigan

FEMA records 15 National Flood Insurance Program claims in Cass County, Michigan, since 1982, with $112,345 paid in total. The most claims in one year was 2, in 2015 and 2024. As of 3 August 2026, 0.2% of homes here had an NFIP policy, and 9.9% of homes in the high-risk flood zone did.

NFIP claims on record15

Total paid$112,345

Claims with a payment8

Homes with NFIP policy0.2%

High-risk zone homes insured9.9%

Residential policies in force49

Claims by year of loss

NFIP claims by year of loss, Cass County, Michigan

Paid on claims by year of loss (building, contents and increased cost of compliance), Cass County, Michigan

Named flood events with the most claims

Event (FEMA name)	Claims
Flooding	1

ZIP codes with the most claims

ZIP code (as reported)	Claims
49047	7
49112	4
49031	2
49130	1
49099	1

2 of the claims were on properties rated in a high-risk flood zone (zones starting A or V). Building $103,916, contents $8,430, increased cost of compliance $0.

Flood insurance take-up

	Homes	With NFIP policy	Share
High-risk flood zone	232	23	9.9%
All homes	23,323	49	0.2%

FEMA counts residential structures and NFIP residential policies in force as of 3 August 2026. Private flood policies are not counted. A share is shown as n/a where FEMA counts no homes or more policies than homes.

Flood insurance basics. Most standard homeowners policies do not cover flood damage. NFIP policies are sold through insurance agents and through FEMA's FloodSmart site, which also explains waiting periods (usually 30 days before cover starts). Check your property's flood zone on the FEMA Flood Map Service Center.

Sources

Checked 29 October 2026. Claims are NFIP claims only. Private flood insurance claims and uninsured losses are not included. Recent events can take months to be fully reflected.